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Imperial Credit Union

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Imperial Credit Union Rates & Review September 2026

Q: How many branches does Imperial Credit Union operate?

Imperial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Imperial Credit Union?

Yes, to access services at Imperial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Imperial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Imperial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Imperial Credit Union's 10/10 Loan program rates are at 10.00%. MonitorBankRates evaluates the financial stability of Imperial Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.89%. Rates last updated and verified on 09/23/2026.

Imperial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Imperial Credit Union? Share your experience about Imperial Credit Union by leaving a review below, or read customer reviews before you decide to use Imperial Credit Union.

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.89%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Imperial Credit Union
Main Office

1130 S 16th St
Springfield, IL 62703-2643

https://www.imperialcreditunion.org

Imperial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
10/10 Loan program	10.00%	-	10.00%	up to 12 months
Details Available to qualified member borrowers. Last Updated 09/22/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Imperial Credit Union’s Texas Ratio fell from 42.75% in Q2 2023 to 19.89% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.7 to 4.6 and its Health Grade from F to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$0M	19.89%	4.6	B
December 31, 2025	$0M	6.60%	5.0	A
September 30, 2025	$0M	8.56%	5.0	A
June 30, 2025	$0M	8.37%	5.0	A
March 31, 2025	$0M	4.40%	5.0	A+
December 31, 2024	$0M	32.27%	3.6	D
September 30, 2024	$0M	47.06%	2.3	F
June 30, 2024	$0M	40.60%	2.9	F
March 31, 2024	$0M	39.84%	2.9	F
December 31, 2023	$0M	42.65%	2.7	F
September 30, 2023	$0M	21.11%	4.5	B
June 30, 2023	$0M	42.75%	2.7	F

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Imperial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Imperial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Imperial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Imperial Credit Union

Website https://www.imperialcreditunion.org

Address 1130 S 16th St, Springfield, IL 62703-2643

Phone 217-481-6381

Fax 217-787-2444

President DARPHY HARRIS

CEO Victoria Johnson

Full-Time Employees 0

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.6 / 5.0 ★

Overall Health & Safety Grade

B (86/100)

Texas Ratio

19.89%

Return on Assets (ROA)

0.9562%

Return on Equity (ROE)

10.8827%

Non-Performing Loans Ratio (NPL)

11.90%

Total Assets

76,971

Total Amount of Shares and Deposits

70,208

Total Shares and Deposits < 1 Year

70,208

Total Insured Shares and Deposits > $250K (item 17 less item K)

70,208

Number of Accounts for Regular Shares

213

Net Income (unless the amount is already included in Undivided Earnings)

736

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

29,506

Total Liabilities

70,208

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Imperial Credit Union

How many branches does Imperial Credit Union operate?

Imperial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Imperial Credit Union?

Yes, to access services at Imperial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Imperial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Imperial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Imperial Credit Union offer online and mobile banking?

Most modern institutions like Imperial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.imperialcreditunion.org.